Use Freedom Insurance Group to compare homeowners insurance quotes for Atwood, TN. We shop 25+ carriers and help you match coverage to the home or vehicles you actually own.
Average cost of home insurance in Atwood, TN
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$86,900) | $1,533 | $889 |
| $300,000 dwelling | $2,130 | $1,235 |
| $600,000 dwelling | $2,997 | $1,738 |
| $1,000,000 dwelling | $3,900 | $2,262 |
The typical homeowners insurance premium in Atwood, TN is about $1,533 annually for a typical local home (typical local home value about $86,900). For a $300,000 dwelling, expect around $2,130 per year; for a $600,000 home about $2,997; and for a $1,000,000 dwelling about $3,900. Freedom Insurance Group rates are often about 42% lower — near $889 per year for a typical home, roughly $1,235 for a $300,000 home, about $1,738 for a $600,000 home, and around $2,262 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Tornado, Hail & Severe-Storm Coverage) |
|---|---|
| $100,000 – $200,000 | $1,656 |
| $200,000 – $300,000 | $1,851 |
| $300,000 – $400,000 | $2,272 |
| $400,000 – $500,000 | $2,572 |
| $500,000 – $600,000 | $2,864 |
| $600,000 – $700,000 | $3,092 |
| $700,000 – $800,000 | $3,280 |
| $800,000 – $900,000 | $3,528 |
| $900,000 – $1,000,000 | $3,776 |
Band premiums are midpoints on the Atwood dwelling curve (typical local home value about $86,900). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Atwood, TN, using a typical local home value of about $86,900. Freedom figures apply an approximate 42% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
A closer look at Atwood, TN
About 918 residents call Atwood home, located in Carroll County.
For a smaller Tennessee place like Atwood, insurance comes down to local construction, fire protection access, and regional storm patterns.
Homes are mostly single-family properties typical of the Carroll County area; replacement cost, roof age, and construction type still explain most premium differences block by block.
Tennessee pricing often build in tornado and severe-storm risk, with flood questions near rivers and low-lying areas.
What affects home insurance costs in Atwood
Atwood homeowners are priced on several interlocking factors that underwriters check when they build a quote. The heaviest factors are typically rebuild cost, the roof’s age and material, and local storm or wildfire exposure; deductible choice and claims history can move the final premium as much as which carrier you pick.
Define replacement cost as the cost to rebuild the home in like-kind materials at current labor and supply costs. What the insurer might pay moves with the rebuild estimate, so bigger estimates on Atwood homes generally mean a higher price.
Construction type and roof details round out the list: insurers ask whether walls are frame or masonry, the roof covering, and how solidly the home is built, because those details decide how it handles the wind, hail, and fire seen across Tennessee.
Location risk rolls up storm, hail, wildfire, and crime scores that can vary by ZIP code and neighborhood within Atwood, so two homes with similar rebuild costs may still price differently.
Fire protection considers how far the home sits from hydrants and stations along with the local protection class, and a stronger protection profile can support lower premiums.
Claims history still matters a lot: in Atwood, claims in the last few years tend to increase pricing for renewals and new business alike.
Credit-based insurance score also plays a role in states that allow it: insurers relying on it usually charge less to applicants with better scores.
Discounts for Atwood, TN homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Every insurer decides its own discount menu and sizes. Treat “up to” as the top end, not a promise.
Home insurance coverage basics
- Coverage A, dwelling: After a covered loss, this limit rebuilds your home’s structure; keep it in line with today’s local rebuild costs.
- Other structures (B): This part protects detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
- Personal property (C): Pays for belongings in the home: furniture, clothing, and everyday items. Valuables like jewelry can be subject to special limits.
- Coverage D, loss of use: This coverage can help with additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
- Coverage E, personal liability: This applies when you are legally responsible for injuring someone or damaging their property resulting from a covered incident.
- Coverage F, medical payments: Visitors’ medical expenses after an injury on your property, frequently covered without a formal liability claim.
Bundling home and auto in Atwood, TN
The figures below are illustrated averages for bundling, not a guaranteed quote. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Atwood, Tennessee | $160 | $240 | $340 |
Atwood homes by the numbers
The median home in Atwood was built in 1971. Roughly 65% of homes were built before 1980, so wiring, plumbing, and roof updates often come up in underwriting.
The Census Bureau’s 2020–2024 American Community Survey counts about 480 housing units in Atwood, and homeowners occupy about 83% of the occupied homes. By structure type, 80% are detached single-family houses and 15% are mobile homes.
The National Risk Index from FEMA shows elevated ratings for tornado (“Relatively Moderate”) in Carroll County.
Tornado history matters here as well: NOAA lists 5 tornadoes touching down within 10 miles of Atwood over 2016–2025, with the strongest at EF2 during February 2025.
Occupied homes in Atwood are heated mostly with utility gas (64%) and electricity (34%).
NOAA’s Storm Events Database lists 3 hail reports within about 5 miles of Atwood from 2016 through 2025 (2 at one inch or more). Top size measured 1 inch in December 2023 around Atwood.
Since 2000, Carroll County has been part of 14 major disaster declarations; the most recent is Severe Winter Storm (February 2026).
Atwood was incorporated in 1941. Atwood’s population went from 1,000 at the 2000 Census to 938 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 967. The population has stayed fairly steady since 2000.
Earlier hail records help too: NOAA’s Storm Prediction Center counts 11 hail reports within 5 miles of Atwood between 1955 and 2015, the largest 1.75 inches on March 28, 1997. Federal tornado records from NOAA’s Storm Prediction Center list 12 tornadoes that began within 10 miles of Atwood from 1950 through 2015; the most powerful, rated F4, touched down on May 7, 1971. That tornado’s record lists 3 deaths and 137 injuries.
Comparing homes in nearby towns? See our home insurance pages for Milan (6 mi), Bradford (11 mi), and Medina (13 mi).
ZIP codes we insure in and around Atwood
38220
Other Tennessee coverage guides
Request home insurance quotes in Atwood, TN
Freedom Insurance Group compares 25+ carriers for Atwood residents. Next step: request a home quote online or dial (800) 253-1482.
